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The Allstate Corporation(ALL)
Today’s top pick 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ALL
11/09/2026: ALL (4-star) is a STRONG-BUY. BUY for 10 days. Simulated Profits (0.83%). Updated daily EoD!
The Allstate Corporation is a well-established property and casualty insurer that remains a significant player in the U.S. market. The company benefits from a strong brand and a diverse distribution network that balances traditional agents with modern digital channels. Its primary growth opportunity lies in leveraging advanced data analytics and telematics to improve pricing precision and operational efficiency. However, investors face risks related to climate-related catastrophic events, ongoing cost-to-serve pressure, and intense competition from digital-first rivals. Allstate typically suits investors seeking a stable, dividend-paying company with moderate long-term growth potential and should monitor progress in its digital transformation and underwriting margin recovery.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Allstate offers moderate, stable growth rather than the high-alpha potential typically sought by aggressive growth investors. |
| Momentum investor | Mixed fit | Momentum appeal is conditional on positive trends in underwriting margin improvements and sector-wide sentiment upturns. |
| Value investor | Strong fit | The company is often evaluated on its price-to-book value and underwriting consistency, appealing to long-term value-oriented strategies. |
| Dividend investor | Strong fit | Allstate's history of consistent dividend payments and capital return makes it a standard candidate for income-focused portfolios. |
| Low-risk investor | Strong fit while signal remains positive | As a stable, mature insurer, it is generally less volatile than the broader market, though subject to sector-specific insurance risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Insurance stocks can experience short-term volatility based on catastrophic weather events and earnings revisions. |
| Valuation risk | Low | The stock typically trades within a range relative to book value, limiting extreme overvaluation risks. |
| Competition risk (Digital/Direct) | Medium / high | Agile competitors like Progressive are aggressive in capturing market share through superior digital user experiences. |
| Business quality | Strong | Allstate maintains a solid franchise and broad distribution that provides consistent revenue generation. |
| Dividend income | Strong | Consistent payout ratios make the stock a reliable source of income for investors. |
| Execution risk | Medium | Successfully executing the 'Transformative Growth' strategy is critical to maintaining future market share. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 31.37% | Avg. Invested days 51 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 63.05B USD | Price to earnings Ratio 5.78 | 1Y Target Price 274.73 |
Price to earnings Ratio 5.78 | 1Y Target Price 274.73 | ||
Volume (30-day avg) 2.0M shares | Beta 0.12 | 52 Weeks Range 188.39 - 281.11 | Updated Date 11/08/2026 |
52 Weeks Range 188.39 - 281.11 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 1.59% | Basic EPS (TTM) 44.09 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Property-Liability Insurance | Auto, Homeowners, and specialty insurance premiums. | This is the core engine where they collect premiums today to pay for future claims. |
| Investment Income | Returns generated by investing float (premium reserves) in bonds and other assets. | The company earns money on the money they hold before paying it out for claims. |
| Protection Services | Service fees from identity protection, roadside assistance, and device protection plans. | A growing, fee-based revenue stream that is less sensitive to insurance underwriting cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate 7.03 | Actual 9.76 |
Profitability
Profit Margin 16.57% | Operating Margin (TTM) 15.88% |
Management Effectiveness
Return on Assets (TTM) 7.68% | Return on Equity (TTM) 38.93% |
Valuation
Trailing PE 5.78 | Forward PE 9.18 | Enterprise Value 72.00B | Price to Sales(TTM) 0.9 |
Enterprise Value 72.00B | Price to Sales(TTM) 0.9 | ||
Enterprise Value to Revenue 1.04 | Enterprise Value to EBITDA - | Shares Outstanding 247.45M | Shares Floating 245.95M |
Shares Outstanding 247.45M | Shares Floating 245.95M | ||
Percent Insiders 0.51 | Percent Institutions 88.5 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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